LTCi Quotes for Gary and Kellie

Gary and Kellie,

I put together a few options to give you a sense of coverage and cost. The right fit depends on your goals, so we’ll tailor this together.

Please watch this short video first:


🔎 Your quotes

Due to New York regulations, only a limited number of insurers offer long-term care insurance in the state. Securian SecureCare and Nationwide Together, which you requested, are not available, but two comparable options are: Nationwide CareMatters (individual policies) and Brighthouse SmartCare.

Each quote is based on $5,000/month in initial benefits and a single-pay structure to allow for an apples-to-apples comparison. All of these options can also be structured with alternative payment schedules. For example, Option A could be paid at approximately $480/month to age 100.

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Should you shop around? You can—but your quotes will be the same everywhere. Long-term care insurance prices are set by the insurance companies, not by brokers. We offer all the top policies and help you find the best fit.



🧐 My notes

I chose these options to highlight key tradeoffs:

  • A vs B: 5% growth costs more but produces significantly higher benefits over time than 3%.
  • A vs C: Extending benefits from 4 to 6 years increases total coverage with a modest cost increase.
  • B vs D: Coverage on Kellie costs slightly more than Gary due to longer life expectancy.
  • D vs E: Brighthouse is lower cost, but limited to 4 years of benefits at 5% growth.

We can fine-tune these based on your priorities.


👉🏻 Next steps

Schedule a call to review your goals and refine these options.

Schedule A Call

Thanks,
Jesse

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